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Which car insurance companies only look back three years for claims and driving history?

Are there any car insurance companies that only look back three years or less? My driving record has improved significantly in the past two years.

avatar
Sophie Newman · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Progressive
 and
State Farm
 are two major
car insurance
 companies that may only look back three years for claims and driving history.
Certain state laws may also limit how far insurance companies can look back.
Keep in mind: While these providers may only use a few years of your driving and claims history in their calculations, you shouldn’t count on it. Car insurance providers can (and often do) access up to seven years of your claims and driving history through a shared database called the Comprehensive Loss Underwriting Exchange (CLUE).
If you're worried about how your driving history will impact your insurance rates, it's best to
compare insurance quotes
 from multiple companies.
Jerry
, the AllCar™ app, lets you do this for free without any phone calls, paperwork, or hassles.
Car Insurance ClaimsState FarmProgressiveCar Insurance
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